| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +1.3% | +4.7 pts |
| Share growth (YoY) | +6.0% | +0.9% | +5.1 pts |
| Loan growth (YoY) | -4.1% | -2.6% | -1.5 pts |
| ROA | 0.61% | 0.65% | -0.0 pts |
| ROE | 3.9% | 4.4% | -0.4 pts |
ROA ranks in the 48th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $35.2M | $29.7M | $7.7M | $5.5M | $108K | 0.61% | 3.38% | 0.02% | 2,351 |
| Q1 2026 | $35.0M | $29.5M | $8.1M | $5.4M | $51K | 0.58% | 3.42% | 0.00% | 2,464 |
| Q4 2025 | $34.3M | $28.9M | $8.6M | $5.4M | $451K | 1.32% | 3.52% | 0.01% | 2,486 |
| Q3 2025 | $33.5M | $28.1M | $7.9M | $5.3M | $390K | 1.55% | 3.57% | 0.00% | 2,491 |
| Q2 2025 | $33.2M | $28.0M | $8.0M | $5.2M | $264K | 1.59% | 3.55% | 0.16% | 2,496 |
| Q1 2025 | $33.2M | $28.1M | $8.1M | $5.1M | $158K | 1.90% | 3.49% | 0.05% | 2,488 |
| Q4 2024 | $32.6M | $27.6M | $8.8M | $4.9M | $279K | 0.86% | 3.46% | 0.00% | 2,528 |
| Q3 2024 | $31.6M | $26.7M | $9.2M | $4.9M | $218K | 0.92% | 3.18% | 0.06% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.61% | 0.65% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 3.9% | 4.4% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.38% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,549 |
| Q2 2024 | $31.5M | $26.7M | $9.6M | $4.8M | $251K | 1.59% | 3.49% | 0.00% | 2,574 |
Loan mix (Q2 2026): real estate $2.2M · commercial $0 · consumer $5.2M · securities $25.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.3% | 80.6% | 61st |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Chemung, NY, ranked 10th with 1.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Chemung, NY | 1 | $29.7M* | 1.22% | 10th |
New York: 330th with 0.00% · Elmira metro: 10th, 1.22% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1